05/07/2026
The FHA Earned Equity Program (EEP) is designed to help buyers qualify for homeownership by recognizing what they’re already doing well in paying their housing expenses on time.
Instead of relying solely on traditional credit scores, EEP allows verified rent or housing payment history to be used as earned equity. With just three months of bank statements and alternative credit verification, buyers may be able to qualify with FHA financing and as little as 3.5% down. 💵
This program can support a wide range of buyers, including first-time homebuyers, borrowers with no credit score, ITIN borrowers, DACA recipients, and non-permanent resident aliens.
At Supreme Lending, EEP is used to create opportunity while maintaining clear documentation and structure.
This option may be especially helpful for renters with consistent payment history who want a simpler, more flexible path to homeownership. 🏡
The FHA Earned Equity Program (EEP) is subject to loan program guidelines, borrower eligibility, and property requirements. Not all borrowers will qualify. This is not a commitment to lend. Rates, terms, and availability may vary.
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Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.